Scheduled System Maintenance for Saturday, March 24th, 9 P.M. to 3:00 A.M. EST
To perform required system maintenance, all electronic services will be unavailable on Saturday, March 24th, from 9 P.M. to 3:00 A.M. Eastern Time. You may continue to use your Democracy FCU Visa Credit and Debit cards for purchases and ATM withdrawals during this time. We apologize for any inconvenience and thank you for your patience.

Member Discounts

Democracy FCU Members are Eligible for Special Member Deals and Discounts including:

  • Promotional rates on Democracy FCU loan rates and products
  • Discounts at major retailers in the store and online
  • Sprint Mobile services discounts

Join Democracy FCU Today and Save

New Democracy FCU members have 90 days to cash in on two great offers:

  • 0.50% APR1 discount on auto loans, including new loans and refinance
  • 0.25% APR2 discount on Signature Loans
  • Get 3,000 bonus points when you spend $1,000 in the first 90 days3 on your Democracy FCU Visa Rewards Credit Card

Join Online Now

(1) Refinance applies to loans from other institutions; (2) NEW money only; (3) Limited time offer. Additional restrictions may apply. Subject to credit approval. Democracy FCU reserves the right to discontinue these offers at any time without notice. Standard guidelines apply.

Democracy FCU Member Loyalty Rate Discount Program

Democracy Federal Credit Union appreciates your business and your trust. Therefore, for your years of Loyalty to Democracy Federal Credit Union, we would like to say thank you, by offering an additional discount on interest rates for a signature loan* or automobile loan*. 

Years                        Discounts
1 – 5                      0.25%*
6 – 10                     0.50%*     
11- 20                     0.75%*
21+                        1.00%*

*New money only. Loan discounts can be used with 0.50% discount for members with direct deposit of net pay but cannot exceed total discount of 1.50%.

HOME Advantage Commission Rebate When you Buy and Sell

HOME Advantage offers rebates on agent commission with you use a HOME Advantage Agent.

Learn More  

Get Cash Rewards, Deep Discounts and Exclusive Savings

Everyone loves to save, especially on products and services you use every day.  That's what Love My Credit Union Rewards is all about.  Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards.

You can save too with valuable discounts from these partners:

  • $100 cash reward with every new line activated with Sprint! Current customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for every line.*
  • Save up to $15 on TurboTax Federal online and downloadable tax products!
  • Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Call 844-703-0123 to activate this special offer.
  • Get trusted protection at true savings with the TruStage Auto & Home Insurance Program.
  • Earn cash back at over 1,500 online retailers with Love to Shop.

Start Saving Today

*See for full details. 

member discounts love my credit union